What's the Cost of Car Insurance in Corpus Christi?
With premiums within $13 of the state average, Corpus Christi has rates that are relatively consistent with the state. We've analyzed how auto insurance rates in Corpus Christi compare to premiums nationwide.
CAR INSURANCE PRICES: CORPUS CHRISTI VS. STATE/US AVERAGES
|City Average||State Average||National Average|
Corpus Christi Car Insurance by Credit Rating
Improving your credit can save you a good sum of money. Those in the bottom credit tier (300-579) pay an average of more than twice as much for car insurance than those in the top credit tier (800-850). Drivers will see the largest percent reduction in premiums when they upgrade their credit from Very Poor (300-579) to Fair (580-669). That change can save them 34% per year.
CORPUS CHRISTI AUTO INSURANCE COSTS BY CREDIT LEVEL
|Credit Score||Average Auto Insurance Rate|
Corpus Christi Auto Insurance by Marital Status and Gender
Pricing for car insurance premiums in Corpus Christi is determined by quite a few considerations, including marital status and gender. However, premiums for women are typically only a bit cheaper than for men. Believe it or not, marital status has a substantial impact on premiums. Being married can save you $176 per year compared to being single. Rates for those who are widowed are also way cheaper than rates for those who are single.
CORPUS CHRISTI AUTO INSURANCE RATES BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
Corpus Christi Auto Insurance After an Accident or Moving Violation
Do you know by how much an at-fault accident or violation can raise your car insurance rates? $674 is the extra cost per year for drivers with a DUI in Corpus Christi, compared to the city average of $1,805. Reckless driving will push your rates up as well, with average rates of $2,535. The severity of an accident influences insurance rates. Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you another $421 per year in premiums.
AVERAGE CORPUS CHRISTI INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Annual Premium|
|At-fault Accident (damages less than $1,000)||$2,318|
|At-fault Accident (damages greater than $2,000)||$2,739|
|Speeding Ticket (16-20 mph over speed limit)||$1,896|
Corpus Christi Auto Insurance by Age
The greatest reduction in premiums for Corpus Christi drivers happens when they hit their 20s. Once out of the teenage age bracket, individuals pay 61% less in premiums. Turning 60 causes an increase in premiums, but up until that age drivers can anticipate premium reductions when they progress from one age group to the next. With typical rates of $5,760, teenage drivers are the ones who pay the most in car insurance premiums. At $1,549, drivers in their 50s have the smallest payments among any age group. However, people in their 60s ($1,614) aren’t paying significantly more.
CORPUS CHRISTI AUTO INSURANCE RATES BY DRIVER AGE
What drives up car insurance rates in Corpus Christi?
Where you live in Corpus Christi affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Corpus Christi is no exception to the rule. From zip code 78404 to 78401, premiums rise by 10 percent—that’s $141.
Expensive Corpus Christi Zip Codes: 78416, 78414, 78409, 78419, 78401
Cheap Corpus Christi Zip Codes: 78404, 78411, 78406, 78413, 78407
Corpus Christi Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Corpus Christi, you can expect 55 rainy days with an annual rainfall of 29 inches. Corpus Christi is also known to experience thunderstorms and flash floods. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Corpus Christi Agents
Carlisle Insurance Agency Inc
500 North Water #900, Corpus Christi, TX 78471
Swantner & Gordon Insurance Agency, LLC
500 N Shoreline Ste 1200, Corpus Christi, TX 78471
210 S Carancahua St 4th Floor, Corpus Christi, TX 78401
Kingsbury Agency Insurance
3038 S Alameda St, Corpus Christi, TX 78404
Moore Insurance Agency
500 N Water St. Ste. 702, Corpus Christi, TX 78401
4925 Everhart Rd Ste 112, Corpus Christi, TX 78411
Keetch & Associates
1718 Santa Fe, Corpus Christi, TX 78404
The average Corpus Christi resident's annual cost of coverage
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